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Debt vs. Invest Calculator
Should you pay off debt or invest? Find out after taxes.
8 followers
Should you pay off debt or invest? Find out after taxes.
8 followers
Most calculators compare debt rates to investment returns before taxes. That's often the wrong answer. A 5% HYSA vs. a 4% car loan looks like a +1% win. After taxes, it can become **-0.40%**—meaning paying off the loan wins. This calculator uses 2026 U.S. tax rules, including federal brackets, NIIT, HYSA/T-Bills/stocks/IRAs, car & student loan deductions, mortgage rules, state tax treatment, and shareable links. Free. Open source. No signup. Feedback welcome.
